Auto Insurance Guide Archive for 2010

• Getting auto insurance for your Hybrid

  by Hayden Krueger

  How the Hybrid can make a difference

  Pick up the newspaper- at least three articles or stories can be found that are related to environmental problems. Climate change seems to be the new buzzword these days. Cars seem to be in the forefront when it comes to contributing to the release of harmful gases that exacerbate the Greenhouse Effect. It isn’t just environmentalists though, who are up in arms about this blatant wastage of fuel in cars; some automobile companies themselves supported this stance. Thus the Hybrid car was born. It is a clean vehicle; the need of the hour.

  Why get a Hybrid?

  The biggest problem that consumers faced is the price of the vehicle. Many found it too expensive, and no one would want to pay such amounts when they could get that smashing sports car that catches everyone’s eyes for a couple of extra grand. To combat … Click here to read more

• Do you really have the best insurance policy?

  by Hayden Krueger

  Introduction

  Auto insurance policies are of various kinds and can be obtained for varying prices. You can save up to $800 on your auto insurance policy while getting the same cover depending on which company you chose. Some companies offer your cheaper premiums at a price, the price being a significantly lower cover; beware of such deals and stay away from them.

  The importance of the right cover

  Insurance is meant to protect you from financial liability and an insurance policy that can not do that is pointless and is at its best only a means to escape a ticket. Escaping a ticket is the least of your concerns if you get into an accident; accidents prove to be a very costly affair if you don’t have insurance to save you. If the accident was indeed your fault you will not only have to pay for any damages you have … Click here to read more

• Catalytic converters and auto insurance

  by Hayden Krueger

  Catalytic converters make easy targets for auto thieves. Vehicular thieves are always on the lookout for easy money and stealing your catalytic converter or cat con as it is popularly known is an ideal choice. A cat con can be stolen in under two minutes and is as easy as easy money gets for a car thief; needless to say the number of cat con burglaries is on the rise as it always has been.

  Background of the cat con

  The cat con was introduced in the United States by a government passing in 1975. The purpose of the cat con is to convert harmful exhaust fumes into less harmful substances before they are passed out from the exhaust system enter the environment. A cat con is mandatory in all vehicles in the Unites States and failure to have one can easily be noticed by the police due to the … Click here to read more

• A practical approach to buying new auto insurance

  by Hayden Krueger

  Its human nature to get comfortable with a setup or system and not want to change; however at times change is inevitable and we must go with the flow. Auto insurance premiums vary more than most people imagine they do insurance for an old car can cost you anything from $1000 to $1800 annually. Sticking with the wrong insurance company can mean you pay almost double the premium you have to.

  Analyzing your driver’s record, Understanding your need

  Many people start looking for quotes as the first step, while this is an effective method it’s not the best. The first thing you should really get cracking on; is to comprehend your need from your insurance policy. It’s imperative you do this calculation and comprehension activity on your own and not hire someone to do it for you, avoid accepting help from friends too; while advice can be fine you are … Click here to read more

• A few secrets which can help you save on auto insurance

  by Hayden Krueger

  Why change insurance companies 

  There is a very good chance that as you are reading this article your insurance company is making a truck load of money off you because you have the wrong policy or you are paying too much for the policy you need.

  Reviewing your auto insurance policy could mean increased savings with the same cover for a lower price, or better cover for the same price. Shopping for insurance is believed to be time consuming and troublesome; however this is not even remotely true. All it takes is fifteen minutes of your time to understand your needs and then an hour to request quotes, and sign up for an insurance policy which will help you save money or at least add value to your existing cover to say the least. 

  The internet 

  The internet is soon becoming a means to carry out any sort of action … Click here to read more

• Sports car insurance details to make things easy

  by Hayden Krueger

  Sports car insurance is pretty expensive compared to conventional auto insurance. This is largely due to the fact that sports cars are much more expensive to maintain and repair. We shall discuss the major reasons for the high cost of sports car insurance and also how to reduce these costs substantially below.

  As mentioned before, sports car insurance is expensive mainly due to the high cost of repairing a damaged car. The insurance company is liable to pay you the amount that the repairs are going to cost if you have comprehensive collision coverage or if you have a first party insurance policy. This is the reason for the high cost when you go in for a costly sports car. The tag price of the car will solely drive up the cost. The best way to make sure that you avoid such a scenario is to buy cheaper sports cars … Click here to read more

• Time Tested tips to avail new car auto insurance

  by Hayden Krueger

  After buying a new car your first reaction may be to take the car for a spin but before taking your new car for a spin you need to insure it. There are a few things you should know about insuring new cars that can help you save a significant amount of money. This article will elaborate on 5 auto insurance tips that can help you save time and money while insuring new cars.

  Get the Right Car

  If you haven’t already bought your car then you should keep in mind that the more you pay for your car the more the auto insurance company will charge you for premium. Expensive cars usually cost a lot to repair and insurance companies make sure that you pay a high premium to make up for this fact. If you are planning to buy a car then you should either consider getting a … Click here to read more

• Six Things You Can Do to Get Auto Insurance at rates you can afford

  by Hayden Krueger

  Opting for auto insurance is definitely not cheap but since insurance protects your interests at the time of an accident it is important to opt for vehicle insurance. Insurance companies decide your premium based on many factors and while some of these factors cannot be controlled, there are various things you can do to get cheap vehicle insurance premium. This article will elaborate on some of the things you can do to get cheap auto insurance.

  Avoid Accidents and Violations

  Accidents and violations committed are two of the factors that can increase your auto insurance premium you pay significantly. By committing accidents that are your fault your premium can be raised by up to 40% for the first accident and by a few percent for every fault accident after that. By being vigilant on the road and being focused while driving you can prevent accidents. Violations are easily avoidable even … Click here to read more

• Obtaining Auto Insurance for Senior Citizens Made Easy

  by Hayden Krueger

  Car owners above the age of 55 are usually charged higher auto insurance premiums compared to people between 21 – 55 years old. The main reason senior citizens and older adults are charged a higher premium is because insurance companies feel that as a person ages his driving skills decline. This article will elaborate on some money saving tips for senior citizens opting for auto insurance.

  Stay Fit and Use the Right Medications

  Senior citizens who are drive cars should try their level best to stay healthy by modifying their diet and exercising. If you have a vision problem then you should use your glasses at all times and you should take steps to prevent that your vision problem worsens. You should also go to the doctor periodically for a complete check and you should ask the doctor to give you medications that do not interfere with your driving ability. … Click here to read more

• Getting Auto Insurance for Teenage Son

  by Hayden Krueger

  It is that time of your boy’s life that you have been dreading for the past seventeen years. Yes, it is here. And there is no looking away from it. Your boy is seventeen and wants a car. In fact, he might have saved enough to black mail you into getting a car for him failing which he claims he will get that broken down jalopy for a thousand dollars. And he knows that you will not want him doing even 40 on the freeway in that bath tub!

  The first step that you must take in such a predictable volatile situation is to buy the car. But before doing so, you must use all your negotiating skills to coax him into going with the safer sedan that you have been researching. Do not under any circumstance settle for the sports coupe that he wants! You will firstly end up … Click here to read more

• Keeping Auto Insurance Premiums under control is in your hands

  by Hayden Krueger

  Due to the recession many people are cutting down on services like auto insurance to save money. Since vehicle insurance is important it is always advised to buy a policy that covers you adequately. There are many things you can do as a consumer to save money while buying insurance and this article will elaborate on five ways to lower your auto insurance premium.

  Drive Less and Maintain a Low Mileage

  Once of the factors that auto insurance companies consider before giving you a quote is the number of miles you drive each year. People who drive a lot are often offered high premiums since the chances of them getting into an accident are more. Also cars that are driven a lot are most likely to break down in the middle of the road. One of the other factors taken into consideration is the mileage you drive at. If you … Click here to read more

• Four Reasons State Auto Insurance Liability Limits are not Enough

  by Hayden Krueger

  Most people who have gotten into accidents after opting for the minimum limit in states like California will tell you that the state auto insurance liability limit is not enough. The state puts minimum liability limits to make sure that everyone has protection but these state limits are usually not enough for most people. This article will elaborate on 4 reasons state auto insurance liability limits are not adequate and information will also be provided on the right limit.

  Insufficient Auto Insurance Liability Limits

  In states like California when an accident happens the state holds the driver responsible to pay for all the damages that have occurred due to the accident. The driver will not only be liable to pay for the damaged car but he will also be liable to pay for damaged property or death of a person if applicable. By opting for the minimum limit the insurance … Click here to read more

• Cost Effective Auto Insurance within your reach

  by Hayden Krueger

  Auto insurance rates have been rising steadily over the last few months. This is partially due to the renewed consumption of commodities by the people. The recession is slowly giving way to a change in people’s perspectives and as a result there is an increase in consumption. With increased consumption, consequently there will be an increase in costs. This is the law of demand and supply.

  The first thing to do when you are looking for auto insurance is to search online. There are a number of websites that offer free insurance quotes for the customer. You need to go online and fill in your personal details. After doing this you can get your quotes. It is important to get at least ten different independent quotes before making a decision. There are both first party insurance company websites and third party websites which give a number of quotes from different … Click here to read more

• Auto Insurance if you are a High Risk Driver

  by Hayden Krueger

  High risk drivers often face problems when it is time to renew their auto insurance policy since most insurance companies refuse to insure high risk drivers. If you feel that you are a high risk driver and you will not be able to find an insurance company to insure your car then continue reading. This article will provide information on all you need to know about auto insurance for high risk drivers.

  Determining if you are a High Risk Driver

  Before searching for an auto insurance company to insure your car you should first determine if you are a high risk driver. High risk drivers can be either teenagers or adults that have committed multiple violations. These violations include speeding, drinking and driving or engaging in unsafe driving practices. High risk drivers are usually prosecuted for at least one drinking and driving violation per year along with other minor violations. … Click here to read more

• Auto Insurance for your Teenage Daughter

  by Hayden Krueger

  Did you know that the gender of the person who applier for an auto insurance policy plays a huge role in deciding the cost of the policy? As unbelievable as this may be, it is a fact.

  The reason behind this is the statistics that have been collected over the years. It has been statistically proven that female drivers between the age group of 17 to 25 have lesser accidents than a male driver of the same age group. This is also true for traffic citations and other misdemeanors. Hence the auto insurance companies make segregation between the two groups. Though this may not be related to the topic of auto insurance itself, it brings us to the question about equal rates for health insurance.

  Recently, a bill was passed in the United States congress stating that rates for health insurance must not the decided based on gender. This was … Click here to read more

• Auto insurance for recreational vehicles and trailers

  by Hayden Krueger

  Recreational vehicles are of different types. They could include snow mobiles, bikes, water scooters, and the like. But the acronym RV stands for recreational vehicles which generally include trailers, caravans and homes on wheels. But mostly they are simply trailers attached to a conventional car. We shall discuss auto insurance policies for the trailers and the car taken together as an entity.

  It is more expensive to insure an RV than it is going to be for a normal car. This is because RV’s are inherently unstable due to their large size and length. If it is a trailer, it is going to be attached behind the car. And in this situation, it will not have a steering mechanism. It will sway around at corners and there is the possibility that the trailer might hit some other vehicle or stationary object. There is also the possibility that the trailer may … Click here to read more

• Are you looking for Classic car auto insurance?

  by Hayden Krueger

  In recent times, classic car auto insurance rates have been going up gradually. This is partially due to the renewed interest in classic cars in our country and also largely due to the export market for American made classic automobiles. And with an increase in classic car buying, the rates of classic car auto insurance have been going up gradually.

  Classic car auto insurance rates largely depend on the type of automobile you own. Older classic cars are generally more expensive to insure. This is largely based on the dependability that the car exhibits.

  You need to join a classic car club in your local community to know the latest from the classic car industry. This way you can meet with local representatives from the insurance companies which specialize in classic car automobiles. You can also meet up with people who are in the business. Like mechanics and classic car … Click here to read more

• Get cheap auto insurance in just five simple steps

  by Hayden Krueger

  The following are five simple and easy steps to get cheap auto insurance in any state of the United States of America.

  The first step is to look for the policy online. You need to do a lot of background research before you can decide which policy to go with. You cannot just go and buy a policy from an insurance company. You will end up spending a lot of your hard earned money for no additional benefit. If you are looking for true value of money, you need to do your homework. There are a lot of insurance companies that offer free auto insurance quotes. All you have to do is enter your personal information like name, contact number, and address. In some cases you might need to add other information like social security number, driving license number and also vehicle identification number.

  The second step is to contact … Click here to read more

• The need for monthly auto insurance

  by Hayden Krueger

  Most people can’t afford to make one huge lump sum payment towards their auto insurance premium and find it really difficult to save up and even take small loans from friends and colleagues to make payments in one go. Auto insurance companies saw this as an opportunity to provide their customers with a monthly payment plan, at a price needless to say. The customer doesn’t make a one time payment and instead makes one down payment and either, 3, 6 or 12 monthly payments as the case may be. The insurance company charges the customers a rate of interest as the case may be, not all companies charge an interest. 

  How it works 

  The customer can either opt for a yearly cover wherein he or she would need to make payments for the next twelve months, or else a customer can also take it on a “pay as you go” … Click here to read more

• Teenager auto insurance information at your finger tips

  by Hayden Krueger

  Requesting quotes:

  The first step to getting your teen insurance is to involve them in the procedure and teach them how to start from scratch. Let them understand that their insurance is expensive regardless of a new policy or you clubbing it onto your auto insurance policy; this will help them get a sense of responsibility and driver safer. Get your teen to help you to find a comparison site online and get multiple quotes. 

  Calculation of the premium: 

  Insurance companies use information you provide to them to analyze the risk involved in insuring the teen and calculate the premium based on that risk. You will need information like the teen’s name, age, gender, license details (learners or permanent), and the driving record. If your teen drives a minimum amount you can expect a reduction in your premium since the less time your teen spends on the road, the less … Click here to read more